National Guard retirement and FERS buyback


Q. I have 20 years in the National Guard with a little over five as Title 10 for deployments. I got a 20-year letter and requested to go Individual Ready Reserve, which I have my orders for. Now I work at the Veterans Affairs Department and plan to buy back my Title 10 time. Will this reduce my Guard retirement?

A. If you make a deposit to get credit for your active-duty service and are entitled to reserve retired pay, there wouldn’t be any reduction. If you are entitled to military retired pay, you’d have to waive that pay when you retire.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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